Standard Errors
Life insurance plans: Employee contribution requirement

Table 18. Standard errors for life insurance plans: Employee
contribution requirement, civilian workers,1 National
Compensation Survey, March 2011

Characteristics

Employee
contribution
required

Employee
contribution not
required

All workers

0.4

0.4

Worker characteristics

    

Management, professional, and related

0.5

0.5

    Management, business, and financial

0.6

0.6

    Professional and related

0.6

0.6

        Teachers

1.2

1.2

            Primary, secondary, and special education
             school teachers

1.0

1.0

        Registered nurses

0.8

0.8

Service

1.2

1.2

    Protective service

1.7

1.7

Sales and office

0.6

0.6

    Sales and related

0.8

0.8

    Office and administrative support

0.7

0.7

Natural resources, construction, and maintenance

1.0

1.0

    Construction, extraction, farming, fishing, and
     forestry

1.9

1.9

    Installation, maintenance, and repair

1.0

1.0

Production, transportation, and material moving

0.6

0.6

    Production

0.7

0.7

    Transportation and material moving

0.7

0.7

Full time

0.4

0.4

Part time

0.8

0.8

Union

0.5

0.5

Nonunion

0.5

0.5

Average wage within the following categories:2

    

    Lowest 25 percent

1.1

1.1

        Lowest 10 percent

2.6

2.6

    Second 25 percent

0.5

0.5

    Third 25 percent

0.5

0.5

    Highest 25 percent

0.4

0.4

        Highest 10 percent

0.5

0.5

Establishment characteristics

    

Goods-producing industries

0.6

0.6

Service-providing industries

0.5

0.5

    Education and health services

0.9

0.9

        Educational services

1.7

1.7

            Elementary and secondary schools

1.3

1.3

        Health care and social assistance

0.7

0.7

            Hospitals

0.6

0.6

    Public administration

1.7

1.7

1 to 99 workers

0.6

0.6

    1 to 49 workers

0.8

0.8

    50 to 99 workers

1.2

1.2

100 workers or more

0.5

0.5

    100 to 499 workers

0.6

0.6

    500 workers or more

0.8

0.8

Geographic areas

    

New England

1.6

1.6

Middle Atlantic

0.6

0.6

East North Central

0.9

0.9

West North Central

0.5

0.5

South Atlantic

1.1

1.1

East South Central

4.1

4.1

West South Central

1.0

1.0

Mountain

1.1

1.1

Pacific

1.0

1.0

1Includes workers in the private nonfarm economy except those in private households, and
workers in the public sector, except the federal government. See Technical Note for further
explanation.

2The categories are based on the average wage for each occupation surveyed, which may
include workers with earnings both above and below the threshold. The average wages are based on
the estimates published in the "National Compensation Survey: Occupational Earnings in the United
States, 2010." See Technical Note for more details.


NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of
Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.